Investing: Where do I even start?

In this #WomenInvested Meet Up, hear tips on how to begin your investing journey – or take it to the next level

Watch now

Investing: Where do I even start?

In this #WomenInvested Meet Up, hear tips on how to begin your investing journey – or take it to the next level

Watch now

Merrill Lynch

Chayes Hart Castellanos & Associates

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Merrill Lynch
Wealth Management

While performance is always important,
we do not strive to beat the markets.
We are here to help meet clients’ goals.
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Welcome

The Chayes Hart Castellanos Team works cohesively with clients to assist them with a customized financial strategy that integrates all areas of their financial lives. Our relationship with clients can be a reassuring influence during life transitions and periods of market volatility, helping them remain focused on their goals with a greater degree of confidence.

Our experienced bilingual team is committed to the highest quality of service to help meet client needs. Through candid and ongoing dialogue regarding the often complex and emotional decisions that clients face in their financial lives, we learn about their goals, values, and dreams as we get to know them on a personal level, as well as gaining a comprehensive understanding of their finances. We appreciate that each client is different and we strive to get to know each family member, across generations and geographic boundaries.

As we work with successful professionals and business owners, we help to identify the many complexities in their financial lives. We understand that weaving them together into a financial plan is a difficult challenge to do without professional guidance. Our primary objective in creating a comprehensive wealth plan is to create a disciplined approach that aligns client finances and investments with their short- and long-term goals.

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Philosophy

The wealth clients have created has a way of touching the lives of the people they care most about. Our team is positioned and committed to being a financial advisor to client families for multiple generations. We create customized financial strategies designed to target the diverse goals of family members and the preferences of different generations.

New clients often express their concern as they strive to oversee the wealth they’ve spent their entire lives accumulating. Changes in the economy and market volatility combine with life transitions and changing family priorities to create constant challenges to the pursuit of client goals. Drawing on our experience and knowledge navigating economic cycles and adhering to a collaborative financial plan, our team can successfully guide clients through their everchanging life cycle events.

Our Team is committed to keeping clients informed and can offer guidance about any financial situation they may encounter. We help clients understand their personal finances and support them by creating disciplined strategies to help minimize surprises while pursuing the future they envision.

Retiring with a Plan

At The Chayes Castellanos Team, we find our insights, knowledge and know-how contribute to our clients’ sense of financial independence and confidence – whether they’re about to retire, already retired, or are young professionals who value the importance of having a long-term strategy in place.

For decades, we’ve been clients’ primary go-to resource on retirement, legacy and longevity planning, and issues related to aging, Social Security, Medicare and insurance. We are proactive in helping clients “see around corners” – so that unlikely circumstances won’t disrupt the integrated financial strategy we’ve crafted on their behalf.

Having worked so closely and for so long with clients at every age and stage of the wealth continuum – we’ve honed a planning-based approach in which ongoing conversations are critical. To promote discussion, we ask open-ended questions about clients’ objectives for themselves and their children – what do they want to accomplish and where do they want their money to go.

In addition to listening, we find it important to educate – to give clients a solid grasp of long-term-care insurance, rising medical costs, and tax-efficient investment, distribution and estate planning strategies. We also urge both spouses to freely express their comfort with investment risk and the lifestyles they envision.

We believe we’re at our best serving clients who want to retire on their terms. It feels good to help these hardworking individuals achieve goals that reflect their core values. From our involvement in their lives, we’ve been introduced to new clients nationwide.

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What client can expect

At The Chayes Castellanos Team, we don’t assume anything about you. We ask questions, listen closely and strive to provide practical financial guidance that’s responsive and responsible. We believe anything less is less than you deserve.

As our client, you can expect that we will:

• “Look with you at your financial life, not through you at your assets.” Beyond investments, we will examine your liabilities (including mortgages, other loans and credit card debt), tax liability, insurance coverage, Social Security and long-term-care issues, and estate planning documents.

 

• Devote time to educating you – in ways we believe will be meaningful. This way, you can understand the “what’s, why’s and when’s” of our recommendations. We are here to serve and alleviate your stress – not impress you with what we know.

• Deliver outstanding personal service. Our dynamic team of advisors and support staff averages more than 25 years each, in a business we define as “The Business of You.” Why? Because we want to always do what’s best for you. We are process-driven and client-focused. More important, we take a long-term view that aims to see things from your perspective – and surpass your expectations.

• “Go the extra mile” to prepare you for a world of change, including a new longevity of life. Many people – especially women – are living longer than they expected. That’s why we encourage clients to work with us, to understand the effects of rising health care costs, Social Security, long-term care and Medicare. Being invited to celebrate at their birthdays, anniversaries and weddings tells us that clients appreciate our care and consideration.

• Build an investment portfolio designed to outperform in down markets. We focus on hitting “singles” rather than “swinging for the fences” – with the belief that strong and stable companies with a history of rising dividends should be cornerstones of your customized portfolio. We also assume no more risk than is required to meet your short- and long-term goals.

Our Videos

Insights, observations, and ideas to help you in your pursuit of your financial goals.

Important Video Disclosures

My team and I will help you pursue what matters most to you and your family.

Watch my video to see how my team and I can help you achieve your financial goals for your business and your family.

Meet the Team

Supported by the global resources of Merrill, our team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.

Additional Resources

The following specialists do not make securities recommendations. Please contact your Merrill Lynch Wealth Management Advisor if you have questions about how a specialist might be able to assist you.

Taylor Benson

Alternative Investments Sales Desk Specialist

Bank of America, N.A.

Yvette Garcia

Wealth Management Banking Specialist

Merrill

Crystal Bernal

Small Business Banker

Bank of America, N.A.

Staying on Track

We understand that both your life and the financial markets can change over time. By checking in to discuss changes in your life and revisiting your financial approach, our goal is to help you stay on track to achieve what's most important to you.



Reviews to help you
stay on track

We’ll meet with you to review your goals and the progress you’ve made toward reaching them. We’ll also discuss any adjustments needed to your financial approach to help you stay on course.



    Changes in your life
    and to your goals

    Your life and goals change. As these changes occur, we can update your approach to reflect them.

    #DigitalMerrill

    MyMerrill is your online destination for access to your financial information, secure communications, and a robust offering of tools and capabilities.

    Your advisor is a click away within our site or mobile apps

    You can manage account security with our customizable security capabilities such as touch ID, one time passcode, and other security features

    Access to your complete financial life is available with My Financial Picture, Merrill’s asset aggregation tool

      Let’s Have a Conversation

      Helping you reach your goals starts with getting to know you personally. Through understanding what matters most to you, together we can help you create a financial approach that reflects your personality. Only then can we offer an approach that is built around your life priorities and the advice you need to help you address fluctuations in the market and changes in your life. Let’s work together to help you achieve your goals.

      Why Merrill?

      As Merrill Lynch Wealth Management Advisors, we will sort through the financial complexities of your life, helping you build a customized investment approach to address your needs and pursue your goals.


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      We put you first, every day.
      Learn more about the dedicated one-on-one relationship you can have with a Merrill Lynch Wealth Management Advisor.

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      Transcript of Video 

      No question too big or moment too small
      For every question you have, every decision you make and every answer you need, we are with you to listen and help guide you along the many paths your life can take. Watch this video to see some questions we can address together.


      The Power of the Right Advisor®
      Working with a dedicated Merrill advisor means you get personalized investment strategies from Merrill plus access to comprehensive financial solutions only Bank of America can deliver.

      Personalized advice from a dedicated financial advisor.

      We get to know you and your family, your financial situation and what matters most to you.

      A comprehensive approach, built around your life’s priorities.

      Drawing from our experience and the best thinking of Merrill, together we will design an approach that reflects your unique needs, priorities and financial situation.

      Adjusting your investment approach as your life and the markets change.

      We will work to help you stay on track, regardless of what the markets are doing.